424 W 4th StBethlehemPA18015
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 424 W 4th St, Bethlehem, PA, 18015 in Bethlehem. At $332,000 it earns $2,470/mo in rent and distributes $294/mo to the owner after the $1,493/mo payment, a consistent 8.93% yield. DSCR 1.65 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $91,725 in value; $3,058/yr in principal paydown compounds ownership stake. Total projected return: $145,380.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.2% |
| Monthly Cash Flow | $294 | $1,250 |
City averages based on Bethlehem market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,470 |
| Total Monthly Debt Service | $2,043 |
| DSCR Ratio | 1.21x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18015, Bethlehem, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,043 (100%) |
| Owner Occupied HU | 6,114 (46.9%) |
| Renter Occupied HU | 5,912 (45.3%) |
| Vacant Housing Units | 1,017 ( 7.8%) |
| Median Home Value | $341,772 |
| Average Home Value | $434,739 |
Housing Distribution
Address Breakdown
Residential
12,231
Single Family
10,745
Multi-Family
1,486
Businesses
801
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Multi Family
Built in 1900
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 18015, Bethlehem, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,043 (100%) |
| Owner Occupied HU | 6,114 (46.9%) |
| Renter Occupied HU | 5,912 (45.3%) |
| Vacant Housing Units | 1,017 ( 7.8%) |
| Median Home Value | $341,772 |
| Average Home Value | $434,739 |
Housing Distribution
Address Breakdown
Residential
12,231
Single Family
10,745
Multi-Family
1,486
Businesses
801
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trish Husted • Coldwell Banker Hearthside
Mls Name: GLVR
Mls ID: #767346